‘Tis the season

Annoyed about early back-to-school sales? Bothered by Halloween candy for sale in the middle of summer? That’s nothing.

The Association of Independent Consumer Credit Counseling Agencies wants you to start thinking about shopping for Christmas.

It makes this suggestion with your finances’ best interests in mind. The Houston-based trade organization says shopping now can help you spend more wisely.

“Holiday spending can spiral out of control if you don’t have a plan,” said Dave Jones, president of the organization. “All consumers would do themselves a favor if they start
their shopping and planning now.”

Here are some suggestions:

Decide how much money you can afford to spend on gifts. Make a list.

Keep it handy when shopping. If the price is right, keep track of each purchase.

Avoid credit, and pay off any debt quickly.

Look for unusual gifts while on vacation. Or consider making your own crafts.

Stop giving gifts altogether. We’re not sure this will go over very well with friends or family, however.